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Stem Inc. (Class A) (STEM) — RQD Stock Rating Cockpit

Q: Should I buy, hold, or sell STEM stock right now?

Stem Inc. (Class A) (STEM) currently earns a Roarable Rating of D (Sell — SELL) with 45/100 RQD Confidence. Stretched risk/reward at current multiples (-35% return on capital) under elevated 10-year interest-rate pressure.

Q: What is STEM's 12-month price target and RQD AI Jury consensus?

STEM's 12-month base price target is $2.25 (range $1.76 to $23.23), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

$2.39 -6.64% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Stem Inc. (Class A) (STEM) carries a Roarable Rating of D (Sell) with 45/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $23.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-5.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for STEM)Realized 20D OHLCV Swing Band: ±12.5%

RSI-14 MOMENTUMOVERSOLD (<32)

20.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE2% OF RANGE

L: $2$2.39H: $22

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (38% profit margin), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: ERQD 12 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D+RQD 21 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on STEM

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

-35.0% ROIC with 38.4% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (33)

12/40 institutional & smart-money positioning score with 8/20 macro alignment.

Bull Case: Why Buyers Like STEM

✓Established market leader in Technology with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring STEM)

✓Walkthrough of STEM's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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STEM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -77.66%▼ DESCENDING CHANNEL

2026-10-30O $2.30H $2.39L $2.15C $2.39VOL 276.4K

RES: $3.81SUP: $0.86SMA50: $4.35SMA200: $8.36

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

STEM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 STEM Butterfly Map → + Track STEM →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +8.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on STEM today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for STEM. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for STEM today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (STEM)

Technology Rank #491 of 714 ⚔️ BLIV vs STEM Full Matrix →

1. Head-to-Head Technology Peer Comparison (STEM vs. BLIV, PDC, CREX, MNDO)

Industry: EDP Services (163 Tracked Issuers)

Across 714 tracked Technology securities in the Roarable RQD universe, Stem Inc. (Class A) (STEM) ranks #491 by composite RQD confidence (45/100, grade D) and #603 by equity capitalization ($23.0M). Within this direct 5-issuer industry benchmark cohort, MNDO leads on earnings valuation at 6.8x trailing P/E, while MNDO leads on capital efficiency and profitability with 11.0% ROIC and 51.0% gross margin. MNDO currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with STEM at 45/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
STEM ACTIVE Stem Inc. (Class A)	D	45/100	—	38.4%	-35.0%	-6.64%	$23.0M	Benchmark Subject
BLIV BeLive Holdings Ordinary Share	D+	52/100	—	—	—	+0.87%	$25.2M	/bliv-vs-stem →
PDC Perpetuals.com Ltd	E	30/100	—	59.5%	—	-20.20%	$18.9M	/pdc-vs-stem →
CREX Creative Realities Inc.	E	28/100	—	44.9%	-11.8%	0.00%	$28.4M	/crex-vs-stem →
MNDO MIND C.T.I. Ltd.	B	72/100	6.8x	51.0%	11.0%	-1.46%	$17.8M	/mndo-vs-stem →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001758766

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Stem Inc. (Class A) (STEM) reported GAAP revenue of $156.3M (+8.1% vs. FY2024 revenue of $144.6M , and -66.1% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of $6.9M, and free cash flow of $6.9M (+118.7% YoY). On the balance sheet, STEM closed FY2025 with $308.9M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$156.3M	$0	$6.9M	$6.9M	$308.9M	—
FY2024 (FY)	2024-12-31	$144.6M	$0	-$36.6M	-$36.6M	$437.4M	—
FY2023 (FY)	2023-12-31	$461.5M	$0	-$207.4M	-$207.4M	—	—

3. STEM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is STEM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Stem Inc. (Class A) (NYSE: STEM) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 45/100 at a spot price of $2.39 (-6.64% 1D, market cap $23.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 7/20. Across 714 tracked Technology issuers, STEM ranks #491 in composite RQD confidence.

How does STEM compare to BLIV and PDC in the Technology sector?

Within the Technology sector (EDP Services), STEM carries a Roarable D (45/100 RQD), trailing P/E of N/A, gross margin of 38.4%, and ROIC of -35.0%. By comparison, BLIV (BeLive Holdings Ordinary Share) holds a D+ grade (52/100 RQD, P/E N/A, ROIC —, cap $25.2M) and PDC (Perpetuals.com Ltd) posts a E grade (30/100 RQD, P/E N/A, ROIC —, cap $18.9M). Among the 5-stock peer group, MNDO leads on earnings multiple (6.8x) while MNDO leads on capital efficiency (11.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for STEM?

Per STEM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001758766), Stem Inc. (Class A) generated $156.3M in revenue (+8.1% YoY), $0 in net income, and $6.9M in free cash flow against $308.9M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Technology with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is STEM trading relative to its 50-day, 200-day, and 52-week technical levels?

STEM last traded at $2.39 (-6.64% on volume of 182,612 shares), positioning the stock -45.06% below its 50-day simple moving average ($4.35) and -71.41% below its 200-day simple moving average ($8.36). Across its 52-week range of $2.15 to $22.12, STEM sits at the 1.2% percentile with a 14-day RSI of 20.6 (OVERSOLD (<32)) and an implied next-earnings move of ±12.5% ($2.09 to $2.69).

STEM Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell STEM stock right now?

Stem Inc. (Class A) (STEM) currently earns a Roarable Rating of D (Sell — SELL) with 45/100 RQD Confidence. Stretched risk/reward at current multiples (-35% return on capital) under elevated 10-year interest-rate pressure.

What is STEM's 12-month price target and RQD AI Jury consensus?

STEM's 12-month base price target is $2.25 (range $1.76 to $23.23), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: STEM RQD Cockpit STEM 12M Forecast STEM Earnings & Move STEM Dividends & DRIP STEM Insiders & 13F STEM Whale Options STEM Profit Sankey STEM News & Why